Polk County property record for 723 Heritage Dr NE, Winter Haven, FL 33881
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,588 sqft · built 1992 |
| Lot Size | 0.483 acres (21,031 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Jun 2010) |
| Tax Bill | $2,857 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-13-532311-000560 |
| Primary APN | 26-28-13-532311-000560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,588 sqft Living Area |
| Gross Area | 3,404 sqft |
| 1st Floor Area | 1,582 sqft |
| Upper Floors Area | 1,006 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Other |
| Lot Area | 21,031 sqft (0.483 acres) |
| Lot Dimensions | 160 ft deep x 128 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Pool Type | Enclosed Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 302 sqft |
| Cooling System | Central |
|---|
| Street Address | 723 HERITAGE DR NE |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33881-5718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | HAMILTON POINTE PB 90 PG 20 & 21 LOT 56 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 13 |
| Legal Subdivision | HAMILTON POINTE |
| Legal Tract | 532311 |
| Legal Block | 2 |
| Legal Lot Number | 56 |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 12802 |
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 723 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · Line of Credit GREAT OAKS BANK |
| Aug 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SOUTH ST BK |
| Jul 11, 2018 | Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2010 · Amount on Record |
| Deed Sale | Jun 15, 2010 · Amount on Record |
| Prior Sale | Sep 12, 2000 · Amount on Record |
| Deed Document Number | 201093727 |
| Deed Book / Page | 8157 / 1914 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 723 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000200150 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | 12813/1971 |
| Instrument | 2023200150 |
| Name | GREAT OAKS BANK |
|---|---|
| Type | Bank |
| Address | FROSTPROOF, FL 33843 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 723 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718 |
| Document Number | 0113470029 |
| Instrument Date | Aug 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 723 HERITAGE DR NE WINTER HAVEN FL 338815718, WINTER HAVEN, FL 33881-5718 |
| Document Number | 0113470029 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 011347/000029 |
| Instrument | 172659 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 23, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 723 HERITAGE DR NE, WINTER HAVEN, FL 33881-5718 |
| Document Number | 0105631022 |
| Instrument Date | Jul 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 723 HERITAGE DR NE WINTER HAVEN FL 338815718, WINTER HAVEN, FL 33881-5718 |
| Document Number | 0105631022 |
|---|---|
| Date | Jul 27, 2018 |
| Book Page | 010563/001022 |
| Instrument | 160882 |
| Name | CENTERSTATE BK NA |
|---|---|
| Type | Bank |
| Address | WINTER HAVEN, FL 33880 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 26, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Municipality | Winter Haven City |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $201,563 (+2.7%) | $345,865 (+0.35%) Land $48,000 Building $297,865 | |
| 2025 | $2,857.00 (+6.29%) Homeowner's exemption | $196,264 (+5.99%) | $344,670 (-5.19%) Land $48,000 Building $296,670 |
| 2023 | $2,688.00 (+3.11%) Homeowner's exemption | $185,178 (+3%) | $363,540 (+13.2%) Land $46,000 Building $317,540 |
| 2022 | $2,607.00 Homeowner's exemption | $179,784 | $321,145 Land $38,000 Building $283,145 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 39 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 3 (2022–2023) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Aug 2023 · Hurricane Idalia |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 57% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures